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Limited Time Offer: Receive $150** when you get a New, Used or Refinanced Auto Loan from FRFCU!
Financial Resources FCU offers vehicle loans for:
- New & Used Car and Truck Purchase
- Vehicle Refinancing
- Motorcycles, ATV
- Boat, Personal Watercraft, or RVs
Loans subject to credit approval.
Get 130% financing on new vehicles plus tax, tag, title and extended warranty insurance.
Used vehicles no more than nine (9) years old get up to 130% of the NADA or Kelly Blue Book retail value at competitive rates.
Refinancing for vehicles no more than nine (9) years old get up to 130% of the NADA or Kelly Blue Book retail value, adjusted for mileage and vehicle options, at competitive rates.
There are no prepayment penalties.
Protect yourself from Mechanical Breakdowns and Total Loss! Click here for a free instant quote
12welve®
Build your credit, earn a lower rate & enjoy your new ride!
Learn more about how the 12welve® Auto Loan Credit Building Program works and how you can start building your credit while earning up to a 3% rate reduction just for paying your loan on-time.
New Cars & Trucks Rates(4) (6) (7) (8) (13)
| Term | Relationship Premium Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed |
|---|---|---|
| Up to 36 Months | 3.120% | $29.04 |
| Up to 48 Months | 3.370% | $22.20 |
| Up to 60 Months | 4.370% | $18.14 |
| Up to 72 Months | 4.620% | $15.59 |
| Up to 84 Months | 4.870% | $13.73 |
Hero and Champion Account holders receive an additional 0.10% reduction in the loan rate.
Used Cars & Trucks Rates(4) (6) (7) (8) (13)
| Term | Relationship Premium Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed |
|---|---|---|
| Up to 36 Months | 3.87% | $29.39 |
| Up to 48 Months | 4.12% | $22.54 |
| Up to 60 Months | 4.37% | $18.49 |
| Up to 72 Months | 4.87% | $15.94 |
| Up to 84 Months | 5.37% | $14.20 |
Hero and Champion Account holders receive an additional 0.10% reduction in the loan rate.
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Motorcycles & ATVs (4) (6) (7) (8) (13)
Hero and Champion Account holders receive an additional 0.10% reduction in the loan rate.
(*Terms greater than 60 months are available only for New Motorcycles.)
| Term | Relationship Premium Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed | Min. Loan Amount |
|---|---|---|---|
| Up to 48 Months | 6.94% | $23.99 | $3,000 |
| Up to 60 Months* | 7.44% | $20.08 | $10,000 |
| Up to 72 Months* | 8.19% | $17.69 | $15,000 |
Boats and Personal Watercraft (4) (6) (7) (8) (13)
| Term | Relationship Premium Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed | Min. Loan Amount |
|---|---|---|---|
| Up to 48 Months | 6.69% | $23.87 | $3,000 |
| Up to 60 Months* | 7.19% | $19.96 | $10,000 |
| Up to 72 Months* | 7.44% | $17.32 | $10,000 |
| Up to 84 Months | 8.19% | $15.74 | $20,000 |
| Up to 120 Months* | 8.44% | $12.42 | $25,000 |
| Up to 180 Months* | 9.19% | $10.30 | $50,000 |
Hero and Champion Account holders receive an additional 0.10% reduction in the loan rate.
*Terms greater than 84 months are available only for New Boats. Maximum term for Watercrafts is 60 months.
Recreational Vehicles (4) (6) (7) (8) (13)
Hero and Champion Account holders receive an additional 0.10% reduction in the loan rate.
*Terms greater than 60 months are available only for New Recreational Vehicles.
| Term | Relationship Premium Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed | Min. Loan Amount |
|---|---|---|---|
| Up to 48 Months | 6.94% | $23.99 | $3,000 |
| Up to 60 Months* | 7.44% | $20.08 | $10,000 |
| Up to 72 Months* | 7.94% | $17.59 | $20,000 |
| Up to 120 Months* | 8.44% | $12.42 | $50,000 |
Disclosures
**$150.00 will be deposited into your FRFCU Regular Savings account within 30 days of loan booking. $150.00 offer only available for loan amounts of $10,000.00 or more, and for automobiles not already financed with FRFCU. Promotion effective 3/1/2022.
(4) Annual Percentage Rate (APR) remains fixed for the term of the loan.
(6) New Vehicles: Get up to 130% financing which includes tax, tag, title and extended warranty insurance.
Used Vehicles: Loans are granted on vehicles no more than nine (9) years old get up to 130% of the NADA or Kelly Blue Book retail value.
Vehicle Refinancing: Loans are granted on vehicles no more than nine (9) years old get up to 130% of the NADA or Kelly Blue Book retail value, adjusted for mileage and vehicle options.
New Boats & Personal Watercraft: Up to 100% financing is available for any personal watercraft. Up to 100% financing available on any new vessel that is longer than 12 feet, but less than 27 feet that has either inboard/outboard or attached propulsion and has a title that is recorded with their state division of motor vehicles.
Used Boats & Personal Watercraft: Financing is available up to 100% of NADA retail value adjusted for optional equipment. Financing is available for personal watercraft, or for vessels longer than 12 feet, but less than 27 feet that has either inboard/outboard or attached propulsion and has a title that is recorded with their state division of motor vehicles.
New Motorcycle & ATV: Financing up to 100% of invoice is available. New motorcycle financing is available for any current or prior model year motor cycle that has never been titled.
Used Motorcycle & ATV: Financing is available up to100% of NADA retail value adjusted for motorcycle/ATV options. Financing is available for any used current model year vehicles plus vehicles of the five (5) prior model years.
New Recreational Vehicles: New recreational vehicle financing is available for any current or prior model year vehicle that has never been titled, or any current or prior year “demonstrator” vehicle with less than 5,000 miles on its odometer. Financing is available up to 80% of purchase price (excluding registration fees, sales tax and warranty coverage).
Used Recreational Vehicles: Financing is available up to100% of NADA retail value adjusted for mileage and vehicle options. Used vehicle financing is available for any current model year used vehicle plus vehicles of the six prior model years.
7) The Annual Percentage Rate (APR) quoted is the lowest available rate based on individual credit circumstances for each qualified applicant and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes a discount of .10% for an active checking account (active checking account requires either 1-existing checking acct with minimum monthly Direct Deposit of $500.00, 2-FRFCU debit card with minimum 5 transactions in previous month, 3-Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. If no qualifying relationship add .30% to the stated rate. The rate will never be higher than the maximum allowed by the Federal Credit Union Act from, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Rates are subject to change without notice.
(8) Loans and Lines are not available in Puerto Rico.
(13) Payment examples are calculated at the lowest Annual Percentage Rate (APR) for 48 months based on individual credit circumstances for each qualified applicant, and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes a discount of .10% for an active checking account (active checking account requires either 1- existing checking acct with minimum monthly Direct Deposit of $500.00 , 2-FRFCU debit card with minimum 5 transactions in previous month, 3- Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. If no qualifying relationship add .30% to the stated rate. Financing is available for current model year vehicles plus vehicles through 2010 model years. Terms available from 12 to 48 months. Get up to 100% financing plus tax, tag, title, GAP coverage and extended warranty insurance. The rate will never be higher than the maximum allowed by the Federal Credit Union Act from, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Loans are subject to credit approval. Rates are subject to change without notice. Loans are not available in Puerto Rico.
Rates effective as of 4/8/2022.